FAQ

Who are you

Are there any costs associated with the lease bicycle plan?

No, as a company you can offer the bicycle plan to your colleagues free of charge.

What happens to the bicycle when an employee leaves the company before the end of the lease period?

When an employee with an active lease leaves the company, the agreements contained in the addendum take effect. This document is entered into by each employee before the lease bike can be selected. We provide an example of the addendum. This states, for example, that the colleague who leaves the company must make a net payment for the remaining lease installments. In this construction, your company pays off the remaining instalments to the lease company. If your company does not want to include this condition, we facilitate three options for the company where you work in order to minimise your risk:

  • The colleague who leaves the company pays off the remaining lease instalments (without service and insurance costs).
  • The colleague who leaves the company can have the existing lease contract taken over by a colleague within the company.


How do I arrange the administration?

To support you throughout the journey, we have developed a digital platform that you can use for free. Here you can manage all processes and let all parties (the company you work for, all employees and the bicycle store) come together to arrange everything. The administration is also a breeze: you can arrange most things with one push of a button. Of course we are always there for you if you have any questions about the platform, so that you can enter the leaseplan without any worries.

Topic

How does the 7% tax credit work?

First you add 7% of the (recommended) retail price of the bicycle to the income of your cycling colleague. Then you deduct wage (income) tax from this. This is also shown on the paycheck.
Example:

Suppose the new price of the chosen bicycle is € 2,500 and the yearly (annual) addition is € 175. If you divide this amount by 12 (months), you arrive at € 14.58 of addition per month. You add this amount to your gross income. This means that each month tax is also paid on this amount. If you then calculate this again, that extra tax comes down to about € 5 per month.

How does the gross/net benefit work?

If your organization cannot or will not pay the full lease amount, the employee leasing the bicycle can voluntarily offset ('exchange') the lease costs and the service and insurance package against the gross salary. The gross salary then decreases slightly, which also means that there is less tax to pay. This way the gross/net benefit has advantages, which even without a contribution from the employer can be up to 35% tax advantage over a private purchase.

Which brands and kind of bicycles does Lease a Bike offer?

We offer all types of bicycles, which is well over 200! From e-bikes to granny bikes and mountain bikes to electric cargo bikes.

Where can my colleagues pick up their bicycles?

With over 1100 affiliated bike stores, there is always one that is near you. You can go to the local bike store around the corner, but also to one of the specialty stores across the country. For purchase and maintenance. This way your colleagues can get on their bicycles without a care in the world. Check our dealer locator for all connected bike stores.

How do I manage the lease contracts in payroll?

For your convenience, all new lease contracts take effect as of the first day of the month. Even if your colleague picks up the bicycle before that time. This is because we make a distinction between the day of issue and the start date of the contract:


  • Day of issue - as of this date, tax addition is calculated
  • Start date of contract - as of the first of the month, your cycling colleague pays a monthly lease amount for 36 months
     

If your company pays the entire amount, you only need to process the addition in the paycheck. If your company makes a contribution or only facilitates the lease, you process both the addition and the monthly lease amount in the paycheck records.

Who handles the insurance and maintenance?

Our goal is to make it as carefree as possible for (unburden/easy) you. That's why we provide all our bikes with standard all-risk insurance and 24/7 roadside assistance. In addition, your colleague can choose between the following maintenance packages at a competitive rate:

  • Basic Package: up to € 100 (incl. VAT) per year covered 
  • Standard package: up to € 150 (incl. VAT) per year covered
  • Premium package: everything will be covered, i.e. there are no risks (only available for E-Bikes)
  • Speed Pedelec package: up to €300 (incl. VAT) per year covered (including third-party insurance)

The exact insurance amount depends on the price of the bicycle. The monthly service and insurance costs are included in the lease price.

In what forms can we offer the bike plan?

Each company can create and design its own lease plan. To give you an idea of what that might look like, we give three examples:

  • The company pays the full, monthly lease cost. Your colleague pays 7% additional tax each month. This can be done as a fringe benefit, as part of the mobility budget or from the lease car budget. 
  • The company pays a fixed amount per month. Your colleague pays the rest.
  • The company facilitates the lease arrangement. Your colleague pays the lease costs by voluntarily exchanging the gross salary and this is still up to 35% cheaper than a private purchase. 


In sum, your cycling colleague could be dealing with two expenses:


  • The monthly lease costs (plus service and maintenance costs)
  • 7% additional tax. These costs are always for the employee, as compensation for the private use of the bicycle.
What about the untaxed allowance per kilometre?

The untaxed allowance can be combined with the lease bike. This is how it works: 

For commuter kilometers with the lease bicycle there is no right to the untaxed kilometer compensation. But for the kilometers covered by other means of transport - such as your own car or public transport - you may continue to pay the kilometer compensation.


Example:  

Suppose that before the bike plan, your colleague went to work five days a week by private car. They received an allowance for this. Now that the colleague has a lease bike, they cycle to work two days a week and three days a week use their own car. This means that you can continue to pay a kilometer allowance for three days a week. As a company, you can of course reinvest the two days of allowance in the lease amount at no cost, which means the company employee pays a lower monthly amount.


I am a self-employed entrepreneur, is it possible to lease a bicycle?

Absolutely! The bike plan has recently become fiscally lucrative for self-employed people too. The monthly lease amount is a business expense. These costs and expenses result in a lower profit. This in turn provides a tax advantage.


Take the e-bike: the average purchase price nowadays is around € 3,000. With a bike plan, you pay this amount divided into monthly amounts. This leaves more room for other investments.

What about the untaxed allowance per kilometre?

You can easily combine the untaxed allowance per kilometer with the lease bike. This is how it works:

You are not entitled to the untaxed kilometer compensation for commuter kilometers with the lease bike. But for the kilometers you travel by other means of transportation - such as your own car or public transport - you may continue to pay the kilometer compensation.

Example:  

Before the bike plan, you commuted to work five days a week in your own car. You received a kilometer allowance for this. Now that you have a leased bicycle, you cycle to work two days a week and three days a week by private car. This means that you can continue to receive an allowance per kilometer for three days a week.

How does the 7% tax benefit work?

First you add 7% of the retail price of the bicycle to your income. Then other costs are deducted from this.

Example:

Suppose the new price of the chosen bicycle is € 2,500 and the yearly addition is € 175. If you divide this amount by 12 (months), you arrive at € 14.58 of addition per month. You add this amount to your gross income. This means that each month tax is also paid on this amount. If you then calculate this again, that extra tax comes down to about € 5 per month.

As a DGA, can I also lease a bicycle?

Yes, as a director-major shareholder, you are also legally allowed to use the business lease bike scheme. The application process works the same as for a self-employed person and an employer. Through this link, you can sign up easily and free of charge with your own entity. The monthly lease amount can be offset against any salary or included as a business expense. The advantage is that less tax is paid on wages or profits. 

As a self-employed person, why lease the bicycle on a business basis instead of purchasing it on a business basis?

Indeed, as a self-employed person, you also have the option to purchase a bicycle on your business. In the case of a business purchase, the bicycle is counted as business assets and appears on the balance sheet (from €450 purchase value). The tax advantage of buying vs. leasing is, in most cases, the same. For the following reasons, self-employed people choose to lease a bicycle on a business basis instead of buying it on a business basis:

  • Insurance, maintenance and 24/7 roadside assistance are included
  • No mandatory 10% mileage registration as with a business purchase and therefore no administration since with leasing you pay 7% additional tax on private use
  • You pay in installments, so you do not have to make a large investment
  • With leasing you have the freedom to take over the bike after 3 years, stop using the bike and/or switch to a new type or brand of bike

Topic

I am self employed, am I also eligible for the new bike plan?

Absolutely! It is also interesting for self-employed people to get a lease bicycle. Would you like to know more? Click here for more information or send your question to us via the contact form.

How do I arrange the administration?

To support you throughout the journey, we have developed a digital platform that you can use for free. Here you can manage all processes and let all parties (the company you work for, all employees and the bicycle store) come together to arrange everything. The administration is also a breeze: you can arrange most things with one push of a button. Of course we are always there for you if you have any questions about the platform, so that you can enter the leaseplan without any worries.

What does the registration process look like?

You can register your business via our website in just five minutes. Once we receive your registration, we will run a credit check. We'll get back to you with the response within two business days. After approval you will receive the terms and conditions, which can be signed digitally. Then you get access to our online platform, activate your account and automatically receive the Lease a Bike order code to choose your bike at the local bike store.

How long does the lease contract run?

The lease runs for 36 months.

What happens to the bike after 36 months?

After 36 months, you’ll get the option to take over the leased bike from us for about 15% of the purchase price.

My bicycle has been stolen, what do I do now?

How annoying! Unfortunately this can happen. If your bike is stolen, first report it to the police. It is important that you have both original keys in your possession and that you include the frame number in the report. You can find this number via our platform.

After reporting the theft you go to your Lease a Bike store to fill out a theft form together. This is a digital form that the bike store can find in the platform. The bike store will then request a new bike for you. And in the meantime, you will receive a comparable rental bike - as quickly as possible - for a maximum of seven days. Your contract continues. In case of theft there is no excess, except for a racing or mountain bike. For these bikes, the excess in the event of theft is 10% of the new value.

Do you have a Speed-Pedelec leased bicycle? Then it is necessary to indicate on the report that it is a Speed-Pedelec vehicle. It is mandatory to include the license plate number. 

I've had damage to my bike, what do I do now?

If you notice that you have damage to your bicycle, make an appointment with your Lease a Bike store as soon as possible to fill in a damage form together. This is a digital form that the bike store can find in the platform. After approval, the bike store will repair the damage on the spot. If that doesn’t work, you will be given a comparable replacement bike for a maximum of seven days. Your contract continues as usual. An excess of €25 applies to any damage, except for racing and mountain bikes. For these bikes, the excess is € 50 per claim.

I have damage caused by someone else, what do I do now?

If you have been involved in an accident and there is a third party involved, you can call in the personal injury assistance of DAS. They can hold the insurer of the party that caused the accident liable on your behalf and claim the material and immaterial damage. 

Check Das lets injury for more information, or contact the personal injury helpdesk of DAS:


T: 020-6517215

E: schadeverhalen@das.nl

Good to know, they work on a no cure no pay basis. This means that they collect the costs from the insurer of the person who caused the damage. You therefore run no financial risk. 

Tip: have you been involved in an accident? Take pictures of the situation and write down the contact details of the other party (parties).

I have trouble on the road, what do I do?

Within each service and insurance package is 24/7 repatriation service included. If you break down on the road you can call the number below and you will be assisted. Please indicate clearly that you have a lease bike from Lease a Bike. The breakdown assistance team provides repatriation throughout the Netherlands and Belgium. From the place where you were stranded to your local Lease a Bike store. If the bike store is not open at that time, you will be taken home.


The phone number of the breakdown assistance team is: 088-1121776.


If I leased my bike from bike store X, am I obligated to have service and maintenance done at that same bike store?

No, you don't have to. You can visit any Lease a Bike bike store for service and maintenance.



Using the frame number of your bike, the bike store employee can directly deduct the cost of maintenance from your annual budget.

I want to bring my bike for maintenance, now what?

When your bike needs servicing, you can contact a Lease a Bike bike store. By phone or email you can schedule an appointment at your convenience. There are also a number of bicycle stores that offer the possibility to schedule a service online.


Important: Please indicate clearly that it is a lease bike via Lease a Bike and have the contract ID and frame number of your bike ready.


  • The contract ID can be found in the mailings from support@mobility-services.bike or in your own environment in the platform. After logging in, click on contracts to open the contract. Then you will see the contract number at the top.
  • The frame number can be found under contact details, as well as other details of your bike, accessories and your chosen service and insurance package.
What service packages are there and what is the difference?
  • Basic Package: has a budget of €100,- (incl. VAT) per year which you can spend on service and maintenance.
  • Standard package: has a budget of €150,- (incl. VAT) per year which you can spend on service and maintenance.
  • Premium package: everything is reimbursed, so there are no risks (only available for e-bikes)
  • Speed pedelec package: has a budget of €300,- (incl. VAT) per year reimbursed (including third-party insurance)

*All service packages include All-risk insurance on damage and theft. And 24/7 repatriation service.


Tip: In the calculator you will find under ''compare service packages'', an extensive overview with the contents of the different service packages.

What is included in service and maintenance?

The service packages include repairs, annual maintenance and/or service work caused by wear and tear that affect the user safety or proper functioning of the lease bike. 


Tip: In the calculator you will find under ''compare service packages'', an extensive overview with the contents of the various service packages.

I paid for my repair on the spot, how do I claim these costs?

Service, including roadside assistance, is included in the fixed lease price. If your bike is repaired on the spot by ANWB roadside assistance and you have paid for this, you can use this form to claim the costs incurred from us, provided your budget is sufficient.

How does the 7% tax credit work?

First you add 7% of the retail price of the bicycle to your income. Then you deduct wage (income) tax from this. This is also shown on the paycheck.
Example:

Suppose the new price of the chosen bicycle is € 2,500 and the yearly addition is €175. If you divide this amount by 12 (months), you arrive at €14.58 of addition per month. You add this amount to your gross income. This means that each month tax is also paid on this amount. If you then calculate this again, that extra tax comes down to about € 5 per month.

Who handles the insurance and maintenance?

Our goal is to make it as carefree as possible for you. That's why we provide all our bikes with standard all-risk insurance and 24/7 roadside assistance. In addition, you choose between the following maintenance packages at a competitive rate:

  • Basic Package: up to € 100 (incl. VAT) per year covered 
  • Standard package: up to € 150 (incl. VAT) per year covered
  • Premium package: everything will be covered, i.e. there are no risks (only available for E-Bikes)
  • Speed Pedelec package: up to €300 (incl. VAT) per year covered (including third-party insurance)

The exact amount for insurance depends on the price of the bicycle. The monthly service and insurance costs are incorporated into the lease amount. The maintenance package includes maintenance, repairs and service work caused by wear and tear (including tires).

Which brands and types of bicycles are participating?

We offer all types of bicycles, which is well over 200! From e-bikes to granny bikes and mountain bikes to electric cargo bikes.


I heard that the acquisition price is going to change, what does that mean?

As of Oct. 1, 2022, the acquisition price will change from 15% to 20% for all leases entered into after Oct. 1, 2022. In brief:


This change only affects all new contracts after Oct. 1, 2022;

Nothing will change for existing lease contracts;

Did you order your bike before October 1, 2022 and was your order code entered by the bike store? Then the 15% acquisition price applies to you;

Because the residual value (acquisition price) goes up, the lease costs go down;

For more information click here.


Want to know what the lease bike will cost you after October 1, 2022? Click here.

Topic

How does the gross/net benefit work?

If your organization cannot or will not pay the full lease amount, you can voluntarily offset ('exchange') the lease costs and the service and insurance package against the gross salary. The gross salary then decreases slightly, which also means that there is less tax to pay. This way the gross/net benefit has advantages. Depending on which tax bracket you're in, you can save up to 35% compared to buying a bicycle privately. If your employer also makes a contribution to the lease amount, you save up to 80%!

What about the untaxed allowance per kilometer?

You can easily combine them with the lease bike. This is how it works: 

For commuter kilometers with the lease bicycle you don’t have a right to the untaxed kilometer compensation. But for the kilometers covered by other means of transport - such as your own car or public transport - you may continue to receive the kilometer compensation.


Example:  

Suppose that before the bike plan, you went to work five days a week by private car. They received an allowance for this. Now that you have a lease bike, you cycle to work two days a week and use your car three days a week. This means that you can continue to pay a kilometer allowance for three days a week. Your employer can reinvest the two days of allowance in the lease amount at no cost, which means you would pay an even lower monthly amount.

Where can I pick up my bicycle?

With over 1100 affiliated bike stores, there is always one that is near you. You can go to the local bike store around the corner, but also to one of the specialty stores across the country. For purchase and maintenance. This way you can get on their bicycles without a care in the world. Check our dealer locator for all connected bike stores.

Who handles the insurance and maintenance?

Lease a Bike offers four service and maintenance packages at a competitive rate. In addition, we automatically include all-risk insurance for you. Whichever package you choose, the costs are included in the lease price. This can therefore be deducted from your gross salary. Amazing right?

The annual budget available for service and maintenance per package is:

  • Basic Package: up to € 100 (incl. VAT) 
  • Standard package: up to € 150 (incl. VAT) 
  • Premium package: no risk (only available for E-Bikes)
  • Speed Pedelec package: €300 including VAT (incl. third-party insurance)

Please note: the budget for the Basic, Standard and Speed-pedelec packages is annual. It is not possible to carry over remaining amounts to the new year.

Can I lease accessories for my bike?

Absolutely! For a lease bike, accessories can be leased along for 15% of the recommended retail price. The gross/net benefit therefore also applies here. However, this only applies to accessories that can be attached to the bike, such as a different saddle, panniers, crate or new pedals. Exceptions to this rule are a helmet and chain lock. For other "loose" accessories, such as a rain suit, bike computer, this advantage does not apply and they can therefore not be leased.

Keep in mind that you lease any accessories directly along with your bike. As soon as you leave the store with your new bike, the lease contract is activated. After that, no more accessories can be added.

What expenses will I be making?

The bottom line is that you may be dealing with one expense:

  • The monthly lease expense.
  • 7% addition. These costs are always for the employee, as compensation for the private use of the bicycle. For more information on how the addition works, see "How does the 7% tax credit work?"
I (partly) pay for my lease bike myself. Can I voluntarily exchange my gross salary?

Absolutely! If the company where you work facilitates the lease bike plan and therefore does not make a monthly contribution, you may pay your monthly costs from your gross salary. This is called voluntary exchange. The ‘Belastingdienst’ (tax authorities) have specified this in the so-called cafeteria plan. Through this construction, your gross salary is temporarily reduced by the monthly lease amount.

Does this affect my pension or vacation allowance?

If you agree with the company where you work that you will voluntarily exchange your gross salary, you will make arrangements together about how this will be handled in the payroll system and whether it will affect your pension, vacation allowance, bonus or thirteenth month. In our experience, a lease bike does not usually affect this.

In practice, we see that all employers ensure that this has no impact on the aforementioned issues.

Does this affect a mortgage application?

A lease bike can have an impact on the amount of an employee's mortgage. An employee (as opposed to someone who is self-employed) does not get a BKR listing. However, it can have a small impact on the amount of the mortgage.
An explanation:


The lease company and the company have a business agreement for leased bicycles, which in principle works just like a lease car.

  • The company pays the monthly lease amount to the lease company.
  • The company has chosen to facilitate the arrangement in which the employee can exchange part of the bicycle through his or her gross salary. This is known in the Netherlands as the cafeteria plan.
  • In concrete terms, this means that at that time the SVZ wage is voluntarily reduced. In this example, it means that when a €40,000 gross salary is earned, the annual wage is temporarily reduced by €1200 to €38,800. In some cases, the SVZ wage is also increased if it is decided to sell 5 vacation days.

This means that the mortgage (and possibly other things like rent allowance) is calculated on an amount of €38,800. This of course has an impact on the amount that can be loaned.

What happens to the bike after 36 months?

After the lease term has expired, you can take over your lease bike from us for about 20% of the new value. The exact price depends on the condition of your bike after 36 months. 

Would you rather return the bike? No problem. We'll take it back free of charge. No small print, no worries!

Is there a maximum amount I can spend on the bicycle?

Yes. The company where you work determines the maximum amount. It is important that this is respected. 

If you are looking for a bicycle that is more expensive than the maximum amount specified by the company where you work, you will unfortunately not be able to pay the difference yourself. If you do have your sights set on a more expensive bike, you should contact your HR department to discuss the possibilities. 

Good to know: even if the company where you work 'merely' facilitates the bike plan, a company bicycle is up to 35% cheaper than a private purchase! This has to do with the fiscal advantage of a company bicycle.

Can I trade in my old bike at the bike dealer so that the price of my lease bike can be reduced?

Yes this is possible, but it is good to keep two things in mind:


1. The bike is insured for the sale price. If you trade in your bike, the sale price is lower. This means that if your bike is stolen you will not be able to get the same bike in return.

2. It is more profitable for yourself to arrange this outside the platform. Suppose the value of the bicycle is €500. You then factor this in as a discount on your lease price. Although this reduces the lease price, it is not proportionate to the €500 because you have no gross/net benefit over the €500. It is therefore smarter to get the €500 in cash from the bike store and put the bike on the lease for the full price.

My bicycle has been stolen, what do I do now?

How annoying! Unfortunately this can happen. If your bike is stolen, first report it to the police. It is important that you have both original keys in your possession and that you include the frame number in the report. You can find this number via our platform.

After reporting the theft you go to your Lease a Bike store to fill out a theft form together. This is a digital form that the bike store can find in the platform. The bike store will then request a new bike for you. And in the meantime, you will receive a comparable rental bike - as quickly as possible - for a maximum of seven days. Your contract continues. In case of theft there is no excess, except for a racing or mountain bike. For these bikes, the excess in the event of theft is 10% of the new value.

Do you have a Speed-Pedelec leased bicycle? Then it is necessary to indicate on the report that it is a Speed-Pedelec vehicle. It is mandatory to include the license plate number. 

I've had damage to my bike, what do I do now?

If you notice that you have damage to your bicycle, make an appointment with your Lease a Bike store as soon as possible to fill in a damage form together. This is a digital form that the bike store can find in the platform. After approval, the bike store will repair the damage on the spot. If that doesn’t work, you will be given a comparable replacement bike for a maximum of seven days. Your contract continues as usual. An excess of €25 applies to any damage, except for racing and mountain bikes. For these bikes, the excess is € 50 per claim.

I have damage caused by someone else, what do I do now?

If you have been involved in an accident and there is a third party involved, you can call in the personal injury assistance of DAS. They can hold the insurer of the party that caused the accident liable on your behalf and claim the material and immaterial damage. 

Check Das lets injury for more information, or contact the personal injury helpdesk of DAS:


T: 020-6517215

E: schadeverhalen@das.nl

Good to know, they work on a no cure no pay basis. This means that they collect the costs from the insurer of the person who caused the damage. You therefore run no financial risk. 

Tip: have you been involved in an accident? Take pictures of the situation and write down the contact details of the other party (parties).

I have trouble on the road, what do I do?

Within each service and insurance package is 24/7 repatriation service included. If you break down on the road you can call the number below and you will be assisted. Please indicate clearly that you have a lease bike from Lease a Bike. The breakdown assistance team provides repatriation throughout the Netherlands and Belgium. From the place where you were stranded to your local Lease a Bike store. If the bike store is not open at that time, you will be taken home.


The phone number of the breakdown assistance team is: 088-1121776.


If I leased my bike from bike store X, am I obligated to have service and maintenance done at that same bike store?

No, you don't have to. You can visit any Lease a Bike bike store for service and maintenance.



Using the frame number of your bike, the bike store employee can directly deduct the cost of maintenance from your annual budget.

I want to bring my bike for maintenance, now what?

When your bike needs servicing, you can contact a Lease a Bike bike store. By phone or email you can schedule an appointment at your convenience. There are also a number of bicycle stores that offer the possibility to schedule a service online.


Important: Please indicate clearly that it is a lease bike via Lease a Bike and have the contract ID and frame number of your bike ready.


  • The contract ID can be found in the mailings from support@mobility-services.bike or in your own environment in the platform. After logging in, click on contracts to open the contract. Then you will see the contract number at the top.
  • The frame number can be found under contact details, as well as other details of your bike, accessories and your chosen service and insurance package.
What service packages are there and what is the difference?
  • Basic Package: has a budget of €100,- (incl. VAT) per year which you can spend on service and maintenance.
  • Standard package: has a budget of €150,- (incl. VAT) per year which you can spend on service and maintenance.
  • Premium package: everything is reimbursed, so there are no risks (only available for e-bikes)
  • Speed pedelec package: has a budget of €300,- (incl. VAT) per year reimbursed (including third-party insurance)

*All service packages include All-risk insurance on damage and theft. And 24/7 repatriation service.


Tip: In the calculator you will find under ''compare service packages'', an extensive overview with the contents of the different service packages.

What is included in service and maintenance?

The service packages include repairs, annual maintenance and/or service work caused by wear and tear that affect the user safety or proper functioning of the lease bike. 


Tip: In the calculator you will find under ''compare service packages'', an extensive overview with the contents of the various service packages.

I paid for my repair on the spot, how do I claim these costs?

Service, including roadside assistance, is included in the fixed lease price. If your bike is repaired on the spot by ANWB roadside assistance and you have paid for this, you can use this form to claim the costs incurred from us, provided your budget is sufficient.

How do I become a Lease a Bike bicycle dealer?

By filling in the registration form on the website. After this we will receive all information needed to partner up. The moment everything is ready and accepted, you will receive a message in your mailbox to confirm your account.

Do I have to sign a contract to become a Lease a Bike bicycle dealer?

Yes! After you are registered via our registration form on the website, we will create an account for you. Once this has been created, you will receive an email to confirm your account.

Topic

Dealer Question

Answer

My question is not here.